1. You do not need to hire a credit repair company to improve your credit. You can do it on your own. However, if you don’t have the time, knowledge or desire to do the work yourself; just know that we are here to help you.

2. If you searched the internet and found Credit Expert LLC and you want to hire us to help you improve your credit and credit scores; understand that we are located in South Dakota, we do business in South Dakota, and that our Terms & Conditions are executed within the State of South Dakota.

3. Credit Expert LLC operates by the Federal Credit Repair Organizations Act (CROA).  Please click to read the required Consumer Information Statement

4. Credit Expert LLC is NOT a law firm. Unauthorized practice of law is illegal.  We do not create the customer or client perception that we are a law firm. If a situation arises that requires legal counsel, we encourage the customer or client to seek legal advice from an attorney.

5. Credit Expert LLC cannot remove verified and accurate information from your credit reports.

6. Credit Expert LLC is NOT a lending institution.

7. Credit Expert LLC is NOT a real estate company.

8. Credit Expert LLC is NOT a debt settlement company.

9. Credit Expert LLC is NOT affiliated with any credit reporting agency or credit monitoring service.

10. It is the primary function of Credit Expert LLC to provide credit score education and coaching and to help you attempt the removal of obsolete, inaccurate and unverifiable information from your credit reports that are lowering your credit scores. IT IS NOT the primary function of Credit Expert LLC to raise your credit scores.  Raising your credit scores is only the end result of our program which consists of credit score coaching, removing inaccurate and unverifiable items from your credit reports and you paying your bills on time.  Just one new late payment can lower your credit scores 60-100 points and eliminate any credit score increase that occurred as a result of the performance of Credit Expert LLC.  An unpaid collection or charged off account that is updating during the current month may continue to keep your credit scores suppressed.

11. By law, Credit Expert LLC cannot guarantee results.

12. Results vary from client to client.